Freelance graphic designer insurance

Secure freelance graphic designer insurance quickly and without fuss. We're simply-priced, flexible and upfront.

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Professional indemnity insurance for graphic designers UK
Professional indemnity insurance for graphic designers UK
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Instant cover
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Pay monthly
The problem

Freelance digital and graphic designers face many risks

Copyright infrigement claims

As a UX, graphic or digital designer, you are expected to produce unique work that meets your clients expectations. The former can be called into question.

Unpaid invoices

Designers often find themselves with an unpaid invoice at the end of a project. Would you have the time and knowledge to recover the debt without help?

Damage to you work equipment

As a designer you're dependent on specialist electronic equipment. Damage or loss could seriously delay or hinder your work.

Contract disputes

Sometimes a client's feedback can lead to excessive re-edits which aren't part of the agreed remit. If you refuse, a client may demand compensation for the cost of the unfinished work.

Freelance graphic designer insurance UK

You need graphic designer insurance that's competitively priced and provides great legal support if you face a claim.

the suited way
Insurance made better

Self-employed insurance done fast, clear and upfront.

Freelancer professional indemnity insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

Covers to consider

How much does graphic designer insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers graphic designers should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed professional indemnity insurance

Professional indemnity

from £8.63 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£9.24 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

In detail

Why is graphic designer insurance important?

The work of a graphic designer is often subjective and clients’ brief can be less than clear. It’s therefore unsurprising that graphic designers often face contract disputes resulting in unpaid invoices or request for more work unpaid.

The worse scenario is when a client demands their money back because they’re not satisfied with what you’ve delivered. If you refuse, they might issues a legal threat.  Even though you might be in a strong position, the dispute has to be handled correctly to avoid a bad outcome. That usually mean hiring your own legal help.  Needless to say a situation of this kind can be very stressful.

Another risk of being in the business of graphic design, which is rarely considered when creating artwork, is the impact of our society becoming very sensitive to certain issues. Your work may inadvertently cause offence and if your client faces a financial loss as a result, you may be dragged at the centre of it.

It's not always a laughing matter but an amusing example of graphic design going pear shaped is the logo design by the Australian government for The Women's Network. Even though it was swiftly discontinued, you can still find in online. Have a search and imagine the backlash from the community and the impact it had on the client and the firm that delivered the work.

There are steps you can take to prevent this kind of situation but having a back up plan such as professional indemnity insurance is a good backup plan.

Professional indemnity insurance for graphic designers

Professional indemnity insurance is a legal cover that provides two levels of service. The first is legal advice and defence, should you face an accusation from one of your clients.

The second element is providing financial cover for the legal costs incurred and possible payouts in compensation. The latter is rare but the former can easily cost thousands of pounds. Without professional indemnity insurance, graphic designers could find themselves seriously out of pocket.

How does professional indemnity insurance for graphic designers work?

Suited PI cover will provide you with an immediate access to an experienced legal team who will review a developing situation with an unhappy client and either they’ll advise you what to do next or they’ll take over if appropriate. Their fees and costs will be covered and if there’s any payout due, your insurers will take care of it.

Suited PI cover comes with another benefit - Business Legal Protect. We mentioned before that contract disputes and unpaid invoices are commonplace for graphic designers.

Standard PI insurance isn’t designed for that which is why we have built in the business legal expenses section so that you as a small business owner can be confident during those troublesome legal and tax situations such as IR35 investigations or HMRC enquiries.

Suited Business Legal Protect can be particularly useful to graphic designers because it also offers expert advice and a cover of up £25,000 for associated expenses for a negative PR event that has hit your business. Say your work didn't down so well with certain audience and your business is now facing a lot of negative press. You can turn to the experts behind Suited Business Legal Protect and they will handle the situation for you to ensure that any reputational damage is minimised.

How much PI insurance do graphic designers need?

Legal disputes are costly in the UK. If someone is bringing a claim against you, they mean business because it is rather expensive and time consuming to do so. Ensure, if you buy PI cover for your business, that it's not just a nominal amount of a few thousands. Before you select a limit, consider the following:

  • What does the contract with your client say? Does it mentioned professional indemnity and if so, does it reference a limit? Or perhaps the contract is referring to your liability for any damages. If it states an amount, for example £1,000,000, then that's a good guide what your PI cover should be.
  • How will your work be used and who's the end consumer? Consider the impact if your work is considered unacceptable for any reason. How much damage is it likely to cause to your client?
  • How many clients do you have and how much work are you producing. When you're busy, things can slip. Especially when you're using contractors who may not be as good as you and you don't have the time to check their work.
  • What is the level of responsibility you take for your work? If you're in charge of the final product and also manage the release then you're exposed a lot more than someone who's just a member of a team controlled by another
In this section

Common questions

Is professional indemnity insurance for graphic designers compulsory?

No but your client contract or membership organisation may demand it.

How does monthly graphic designer insurance work?

With Suited you pay month by month without the addition of APR or any other charges if you need change or cancel your cover.

If I subcontract some work, will it be covered by Suited graphic designer PI insurance?

Yes. It's a very good practice to have written contracts in place with your subcontractors that do not waive your rights against their mistakes. Always give your subcontractors a clear brief.

Can I cancel my professional indemnity insurance when I no longer work as a graphic designer?

You are best not to. The reason being your work still might cause some grief in the future and without an active PI cover, you won't be protected. With Suited you can 'hibernate' your cover which means paying less while staying protected for your past for as long as you need.

Contact us
Prefer to speak?

Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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